Chime Plus is free1 status that unlocks exclusive benefits like higher savings APY, SpotMe®, MyPay®, priority support, and exclusive Chime Deals®, when you receive a single $200+ qualifying direct deposit or $400–$2,999.99 in cumulative qualifying deposits in the last 34 days.
Chime Plus status is the way to access exclusive benefits, with a Qualifying Direct Deposit (QDD) of single $200+ or Cumulative Qualifying Direct Deposits totaling $400–$2,999.99 in the last 34 days. There are no membership fees and no mandatory costs for Chime Plus status.
Key benefits of Chime Plus
As a member with Chime Plus status, you get access to:
- Higher savings APY2 – Earn a better interest rate on your Savings Account.
- Fee-Free Overdraft with SpotMe® – Eligible members can enroll in SpotMe3. For eligibility requirements, refer to Am I eligible for SpotMe®?.
- MyPay® – Eligible members can access up to $500 of your pay before payday2. You must meet additional MyPay4 eligibility requirements to gain access to MyPay4. For more information, refer to Am I eligible for MyPay®?.
- Priority support – Get expedited assistance from Chime Support.
- Chime Deals® – Access to Chime Deals5 exclusive to Chime Plus from top national retailers. Just explore deals near you in the app.
1To be eligible for Chime Plus™ status, you must receive either a single qualifying direct deposit of $200 or more, or cumulative qualifying direct deposits totaling $400 or more, into your Chime Checking Account within the past 34 days. Certain products marketed as Chime Plus benefits have additional eligibility requirements. While some Chime Plus benefits may have associated fees, none of these fees are mandatory to access Chime Plus benefits or to maintain Chime Plus status. See Chime Plus Terms and Conditions for details.
2The disclosed Annual Percentage Yield (APY) is available only while you maintain Chime Plus status, otherwise the standard x.xx% APY for non-Chime Plus will apply. The APYs for the Chime Savings Account are effective as of 03/2025 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Plus Terms and Conditions for more details.
3SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.
4To be eligible for MyPay, you must receive Qualifying Direct Deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A Qualifying Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details..
5Eligible requirements and limits apply. See Chime Deals™ Terms and Conditions.
*The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of 3/26/25. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime Plus APY is available only while you maintain eligibility requirements for Chime Plus, otherwise the APY for non-Chime Plus members will apply. See Chime Plus Terms and Conditions for more details.
CHIME Plus is a Trademark of Chime Financial, Inc